Mortgage lending in Chisago County, Minnesota
Lenders in Chisago County, Minnesota reported 2,461 mortgage applications for 2025, according to the CFPB.
2,461 mortgage applications and 1,567 loans originated in 2025; the denial rate was 17.9% of 2,012 applications decided. The median loan was about $255,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the low-income housing hub: Minneapolis-St. Paul-Bloomington, MN-WI HUD Metro FMR Area.
- 2,461
- Applications
- 1,567
- Loans originated
- 17.9%
- Denial rate
- 360 denied of 2,012 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,461 | 1,567 |
| 2024 | 2,346 | 1,510 |
| 2023 | 2,155 | 1,408 |
| 2022 | 2,878 | 1,808 |
| 2021 | 5,472 | 3,790 |
| 2020 | 5,561 | 3,945 |
| 2019 | 3,411 | 2,355 |
| 2018 | 2,894 | 1,973 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Bell Bank | 105 | 125 |
| Rocket Mortgage | 93 | 120 |
| United Wholesale Mortgage | 83 | 117 |
| Crosscountry Mortgage, LLC | 72 | 94 |
| Affinity Plus Federal Credit Union | 70 | 99 |
| US Bank, N.A. | 62 | 115 |
| Royal Credit Union | 58 | 83 |
| Trustone Financial Credit Union | 48 | 64 |
| Guaranteed Rate, Inc. | 44 | 70 |
| Minnco Credit Union | 44 | 66 |
| Pennymac Loan Services LLC | 36 | 52 |
| New American Funding, LLC. | 35 | 51 |
| loanDepot.com LLC | 33 | 65 |
| Blaze Credit Union | 31 | 47 |
| Prosperity Home Mortgage, LLC | 27 | 32 |
| Midwestone Bank | 25 | 40 |
| Huntington National Bank | 21 | 38 |
| Security State Bank of Marine | 21 | 23 |
| Associated Bank NA | 21 | 32 |
| Members Cooperative Credit Union | 20 | 32 |
| Mortgage Research Center | 17 | 32 |
| Fairway Independent Mort Corp | 17 | 19 |
| Ideal Credit Union | 17 | 26 |
| Luminate Bank | 17 | 23 |
| Topline Financial Credit Union | 17 | 26 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | withheld | |
| Asian | 69 | 11.9% of 59 decided |
| Black or African American | 23 | no rate: base under 50 |
| White | 1,944 | 17.0% of 1,616 decided |
| 2 or more minority races | under 10 | |
| Joint | 42 | no rate: base under 50 |
| Race Not Available | 368 | 23.5% of 277 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 50 | no rate: base under 50 |
| Not Hispanic or Latino | 1,955 | 16.4% of 1,620 decided |
| Joint | 52 | no rate: base under 50 |
| Ethnicity Not Available | 404 | 24.3% of 305 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 800 | 20.5% of 643 decided |
| Female | 374 | 24.3% of 317 decided |
| Joint | 1,081 | 13.6% of 904 decided |
| Sex Not Available | 206 | 18.9% of 148 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 544 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved